Credit Risk Analysts

Role Overview

Mercor is hiring experienced Credit Risk Analysts to support a cutting-edge AI research collaboration focused on replicating real-world lending workflows. You will contribute domain expertise to help design and evaluate AI agents performing tasks such as credit decisioning, loan pricing, and risk modeling.

This role is ideal for someone with strong analytical experience in underwriting or consumer credit strategy, who understands how credit decisions are made at both the borrower and portfolio levels.

Key Responsibilities

• Evaluate AI-generated credit risk assessments for accuracy, consistency, and regulatory compliance.

• Simulate scenarios involving credit approvals, denials, or counteroffers based on borrower data.

• Review synthetic applicant files including income, DTI, credit reports, and policy overlays.

• Collaborate on rubrics to assess decision quality in areas such as default risk, pricing tiers, and credit policy adherence.

• Flag bias triggers or disparate treatment risks in model behavior (e.g., FCRA, ECOA, UDAAP violations).

• Provide structured written feedback to research teams and participate in async model evaluation loops.

Ideal Qualifications

• 3+ years experience in credit risk, consumer underwriting, or credit policy roles at a financial institution, fintech, or rating agency.

• Deep understanding of FICO scoring, risk segmentation, pricing matrices, and loss forecasting methods.

• Proficient with credit decisioning systems and tools (e.g., Experian/Equifax APIs, SAS, SQL, or internal underwriting engines).

• Familiarity with regulatory frameworks including ECOA, FCRA, UDAAP, and Fair Lending.

• Strong writing and analysis skills; able to explain risk decisions clearly.

• Experience working cross-functionally with product, compliance, or data science teams is a plus.

Project Timeline

• Start Date: Immediate (July 15th)

• Duration: 4 weeks

• Commitment: Part-time, ~20 hours/week

Application  &  Onboarding  Process

1. Submit Resume & Application Form

2. Model‑training interview – 25 minutes conversational session designed to get to know your professional background, experience, and motivations.

We consider all qualified applicants without regard to legally protected characteristics and provide reasonable accommodations upon request.

Contract and Payment Terms

• You will be engaged as an independent contractor.
• This is a fully remote role that can be completed on your own schedule.
• Projects can be extended, shortened, or concluded early depending on needs and performance.
• Your work at Mercor will not involve access to confidential or proprietary information from any employer, client, or institution.
• Payments are weekly on Stripe or Wise based on services rendered.
• Please note: We are unable to support H1-B or STEM OPT candidates at this time.

About Mercor

Mercor partners with leading AI labs and enterprises to train frontier models using human expertise. You will work on projects that focus on training and enhancing AI systems. You will be paid competitively, collaborate with leading researchers, and help shape the next generation of AI systems in your area of expertise.